2022 has not been the greatest year for our personal finances. Inflation, energy crisis, high interest rates – a dangerous cocktail for our disposable income. However, due to savings from the pandemic years (among other reasons), we managed to cope. If we are looking at the number of foreclosures per month, the situation is still okay among people’s finances (115 in November compared to over 500 per month during the financial crisis). A foreclosure happens when a mortgage loan is not paid and the bank needs to sell the property to recover the money.